The Capital One® Spark® Classic for Business Card is an entry-level business credit card that offers a reasonable cash back rewards rate and minimal fees. Its goal is to help cardholders build up their credit score to qualify for more generous cards over time.

It features an unlimited 1% cash back on every purchase and no annual fee. Plus, for those who have to do some traveling for their business, enjoy no foreign transaction fee.

However, since this card doesn’t require high credit to apply for, it doesn’t offer a sign-up bonus. Read on to see if the Spark Classic for Business can help your business.

Learn more about this card and is features here.

Capital One Spark Classic for Business Card Summary

Why You Should Apply for This Card

Earn Unlimited 1% Cash Back: You won’t save a ton with this rewards card, as it offers just 1% cash back for every purchase. However, if you use it regularly, you should be able to collect a good amount. There are no categories to limit how you earn, and rewards won’t expire as long as your account stays active. In addition, you can redeem your cash back for any amount in the form of statement credit.

No Excellent Credit Required: Most credit cards need good to excellent credit to apply for. With the Spark Classic for Business, you just need an average credit score to apply for it. This credit card can help facilitate your payments and help you build your company’s credit score.

Other Card Benefits

• No Annual Fee
• No Foreign Transaction Fee: Keep earning your rewards! Use this card when traveling abroad without paying a fee.
• Travel and Purchase Perks: Receive full auto rental collision insurance and theft protection on car rentals, 24/7 emergency travel assistance, lost card replacement, fraud detection, and shopping privileges, such as purchase protection and extended warranty.
• Employee Cards at No Additional Cost: Earn rewards when your employees use their card. Be aware that if employees are allowed to use the account, they will be authorized users. That means, they’ll have equal charging privileges unless you establish individual spending limits.
• Quarterly and Annual Summaries: Receive quarterly and annual spending summaries with this card. Summaries include a detailed, itemized, and categorized look at your spending during the covered period. Plus, get detailed reports of employee spending, if applicable.

Bottom Line

If your credit score is low and you need help building it up, check out the Capital One® Spark® Classic for Business Card. It’s a great starter credit card for business owners with big plans and average credit.

It won’t give you the best cash back rate, but you’ll still earn an unlimited 1% cash back with this card with no annual fee and no foreign transaction fee. It also comes with the same perks as other Capital One business cards.

If you already have good to excellent credit, this card won’t be the right one for you. Instead, take a look at our full list of Capital One credit card bonuses and credit card bonuses to find the right one that suits you.

Learn more about this card and is features here.

Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airline, or hotel chain, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone, not those of the bank, credit card issuer, airline, or hotel chain, and have not been reviewed, approved, or otherwise endorsed by any of these entities.